Home Equity Line of Credit (HELOC)

Effective Date: December 1, 2024. The APR is accurate as of the effective date. The property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. The property must be a Single Family-Owner Occupied Residence in an incorporated area and not listed for sale only. Rates subject to change at any time.

*The Annual Percentage Rate (A.P.R.) on all variable rate advances may be adjusted on the 1st day of each month. The A.P.R is based on the value of an index. The index is defined as the Prime Rate as of the first of each month. Rate will be fixed for the first 6 months. Information about this index is regularly published in the Money Rates table of the Wall Street Journal. When a range of rates is published, the highest rate will be selected. To determine the A.P.R that will apply to your line of credit, we add a margin to the value of the index. If this index or the source ceases to exist, the Credit Union will use a similar or substitute index. Some restrictions apply. Rates shown may not apply to every borrower, and the higher rates may be charged to other borrowers depending on their credit qualifications. A member's creditworthiness will determine the maximum amount financed, and the category of rate for which the member qualifies. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc.

¹The A.P.R. will not exceed the rate permitted under the Federal Credit Union Act (18.00%) nor will it be lower than a floor of 4.00%.

All 3rd party fees are waived. If line-of-credit is paid off and closed within 24 months, all 3rd party fees must be repaid to Yolo FCU. Property Insurance is required and flood insurance will be required if property is located in a flood zone. No rate is guaranteed. Rates, terms and other conditions are subject to change without notice. Certain restrictions may apply. The above rates are for informational purposes only.

Effective Date: December 1, 2024. Rates subject to change at any time. The APR is accurate as of the effective date. The property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. Property must be a Single Family Non-Owner Occupied Residence in an incorporated area and not listed for sale only.

*The Annual Percentage Rate (A.P.R.) on all variable rate advances may be adjusted on the 1st day of each month. The A.P.R is based on the value of an index. The index is defined as the Prime Rate as of the first of each month. Rate will be fixed for the first 6 months. Information about this index is regularly published in the Money Rates table of the Wall Street Journal. When a range of rates is published, the highest rate will be selected. To determine the A.P.R that will apply to your line of credit, we add a margin to the value of the index. If this index or the source ceases to exist, the Credit Union will use a similar or substitute index. Some restrictions apply. Rates shown may not apply to every borrower, and the higher rates may be charged to other borrowers depending on their credit qualifications. A member's creditworthiness will determine the maximum amount financed, and the category of rate for which the member qualifies. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc.

¹The A.P.R. will not exceed the rate permitted under the Federal Credit Union Act (18.00%) nor will it be lower than a floor of 5.00%.

All 3rd party fees are waived at closing. If line-of-credit is paid off and closed within 24 months, all 3rd party fees must be repaid to Yolo FCU. Property Insurance is required and flood insurance will be required if property is located in a flood zone. No rate is guaranteed. Rates, terms and other conditions are subject to change without notice. Certain restrictions may apply. The above rates are for informational purposes only.